COSMOS - PAY System Designed and

COSMOS - PAY System

Designed and developed a secure multi-organization payment management platform for COSMOS, enabling centralized fund management, ACH transfers, card ordering, balance monitoring, and audit tracking across multiple client sites.

Key Features Delivered

Super Admin / COSMOS Level

Configured a centralized COSMOS bank account with payment gateway access.

Built functionality to activate organization payment accounts.

Implemented ACH-based fund loading process for site requests and new card orders.

Developed complete audit trail tracking for all fund loads and card order requests.

Enabled centralized monitoring and management of all payment activities.

Organization / Site Admin Level

Created dedicated virtual accounts for each organization/site.

Implemented threshold-based balance monitoring with low-balance alerts.

Integrated ACH bank-to-bank transfer system between site accounts and COSMOS account.

Built fund request workflow allowing site admins to securely load funds into accounts.

Stored complete transaction history for compliance and reporting.

Card Management Module

Developed system for site admins to request new plastic cards.

Created backend workflow for COSMOS team to upload shipped card details.

Added card-site verification logic to ensure cards belong to the correct organization before issuance.

Improved security and prevented unauthorized card misuse.

Notifications & Compliance

Automated email confirmations for fund load requests and card orders.

Supported sending legal/compliance documents to site admins during request flows.

Technologies Used

ASP.NET / .NET Core

Web APIs

SQL Server

Payment Gateway / ACH Integration

Email Notification System

Role-Based Access Control

Audit Logging System

Result

Delivered a scalable fintech-style payment platform that improved operational efficiency, increased transaction security, and streamlined fund management across multiple organizations.